Frequently Asked Questions and Answers

Yes, under standard homeowner's insurance policies and subject to the terms, conditions, and exclusions in your policy.  Since not all policies are alike, please contact our office to discuss your case in more detail.

Yes, under standard homeowner's insurance policies and subject to the terms, conditions, and exclusions in your policy.  Since not all policies are alike, please contact our office to discuss your case in more detail.

Your car will be covered if you own automobile comprehensive insurance coverage.  Otherwise, your homeowner's policy will not cover the damage to your car.  Since not all policies are alike, please contact our office to discuss your case in more detail.

Many insurance companies will prefer if you file a police report.  Since not all policies are alike, please contact our office to discuss your case in more detail.

Don't throw away any damaged personal property until your claim has been settled and paid.   You should also photograph and video tape all damaged property.  Since not all policies are alike, please contact our office to discuss your case in more detail.

Yes, theft and vandalism coverage is standard in most policies and subject to the terms, conditions, and exclusions in your policy.  Since not all policies are alike, please contact our office to discuss your case in more detail.

Mitigating or preventing further damage to your home is a duty under your policy.  Retain copies of costs incurred for temporary repairs and document all expenses, including receipts, cancelled checks, invoices paid, contractors name, address and telephone numbers and work performed.  And take photos and video of the damage.  Since not all policies are alike, please contact our office to discuss your case in more detail.

On the vast majority of cases, insurance claims attorney J.P. Gonzalez-Sirgo works on a contingency fee basis. This means that if there is no recovery on your insurance claim, you pay zero, including costs advanced by our office to litigate your insurance claim including deposition fees, consultant fees, court costs, expert witnesses, etc. Furthermore, Florida law states that if an insured has to sue his or her insurance company and succeeds, the insurance company is responsible for paying your attorney's fees and costs. Since not all insurance claim cases are alike, please contact our office at 305-461-1095 or 1-866-71-CLAIM to discuss your case in more detail.

Absolutely. Insurance claims lawyer J.P. Gonzalez-Sirgo will work with you on a contingency fee basis with NO costs or attorney fees charged up-front to you. There will be no costs or attorneys fees to you unless we get the insurance company to pay on your insurance claim. Furthermore, Florida law states that if an insured has to sue his or her insurance company and succeeds, the insurance company is responsible for paying your attorney's fees and costs. Since not all insurance claim cases are alike, please contact our office to discuss your case in more detail.

You will never be responsible for any of our legal fees or our costs if we are not successful. Furthermore, you will never be asked to pay for costs up-front. If we are successful in your insurance claim, you will only pay a small percentage of the insurance settlement, usually as low as 10%. In cases where litigation (lawsuit filed) is necessary, fees increase to 40% and costs of litigation are extra, however, the good news for you is that Florida law provides that if we sue on your behalf and succeed in winning your case, your insurance company may be responsible for part or all of our legal fees and costs. Therefore, in some cases, you pay zero to us from your insurance settlement and pay zero attorney fees and costs. Since not all insurance claim cases are alike, please call our office to arrange a free consultation with insurance claims lawyer J.P. Gonzalez-Sirgo to discuss your case in more detail.

When your car, automobile, truck, boat, etc is stolen and you have not heard back from your insurer, please continue to attempt to make contact with the insurance company and obtain status on your insurance claim. Demand to speak to a supervisor. If you have exhausted all available means with your insurance company, you may contact our office for a free consultation in order to discuss your insurance claim in more detail with insurance claims lawyer J.P. Gonzalez-Sirgo.

Insurance claims attorney J.P. Gonzalez-Sirgo can help you with the following residential and homeowner's insurance claims:

Hurricane

Mold

Sinkhole

Water damage

Roof leak damage

Plumbing/Pipe bursts

Fire damage

Windstorm

Flood

Insurance claims lawyer J.P. Gonzalez-Sirgo can help you with the following Business and Commercial insurance claims:

Property damage (fire, hurricane, windstorm, flood, etc)

Business Interruption

Boiler and Machinery equipment

Debris Removal

Builder's Risk

Inland Marine

Yes, our office can help you with your business interruption insurance claim. It can get difficult for the inexperienced to value business losses, initiate the claims process, maintain open communications and negotiate with the insurance company until the successful settlement of your insurance claim. We are prepared and experienced in surveying damages to all your business assets, including machinery, business equipment, office buildings, factory plants, computers, inventory, supplies and other assets. We also work with Certified Public Accountants in calculating lost profits and including the results within the business interruption insurance claim. If litigation becomes necessary, insurance claims attorney J.P. Gonzalez-Sirgo is experienced in litigating insurance related matters.

Yes, J.P. Gonzalez-Sirgo, P.A. offers free case evaluation and consultation to the board members of the condominium association to discuss their insurance claim. If your condominium has filed an insurance claim and you feel your claim has been wrongfully denied or the insurance company's offer is willfully low and insufficient to repair all damages, please contact our office to receive an appointment with insurance claims attorney J.P. Gonzalez-Sirgo. You will never be responsible for any of our legal fees or our costs if we are not successful. Furthermore, you will never be asked to pay for any of our costs up-front. If we are successful in your insurance claim, you will only pay a small percentage of the insurance settlement, usually as low as 10%. In cases where litigation (lawsuit filed) is necessary, fees may increase to 40% and costs of litigation are extra, however, the good news for you is that Florida law provides that if we sue on your behalf and succeed in winning your case, your insurance company may be responsible for part or all of our legal fees and costs. Therefore, in some cases, you pay zero to us from your insurance settlement and pay zero attorney fees and costs. Since not all insurance claim cases are similar, please call our office to arrange a free consultation with insurance claims attorney J.P. Gonzalez-Sirgo to discuss your insurance case in more detail.

Insurance companies make big profits every year because they specialize in either denying or underpaying insurance claims. In the case with a stolen car insurance claim, the insurance company will investigate your stolen auto claim because it may suspect that you were probably involved in the theft of your own car. Because of this, the insurance company may launch its own investigation into your personal and financial affairs which could take several months. They may request to see your bank statements and also pull your credit history in an attempt to gather evidence of financial hardship as proof that you could no longer afford your car payments and therefore participated in the theft of your own auto. This is also true when your stolen car is later recovered damaged or with missing parts. As part of their investigation, they may also request to take your examination under oath or a sworn statement.

In order to protect your credit history, it is best to continue making car payments on your stolen auto until the insurance company pays your creditor for the value of your stolen car.

If you had no choice but to purchase a new car and could not afford to make payments at the same time on your stolen car and your credit was damaged as a sole result of your insurance company's denial of your stolen auto claim, you may have an insurance bad faith case. For a free consultation and case evaluation, please contact our office to discuss your situation in more detail.

If your insurance company incorrectly valued your stolen car and left you with substantial debt owed to your auto finance company or insufficient funds to purchase a new car in the event your car was paid-off, please contact our office for a free consultation.

Yes. Please contact our office for a free consultation and case evaluation. No matter the insurance dispute, insurance claims attorney J.P. Gonzalez-Sirgo has the experience you can trust.

You should contact our office for a free consultation if your stolen car insurance claim has been delayed, denied or underpaid. Click here to read on a past stolen auto claims case Miami insurance claims attorney J.P. Gonzalez-Sirgo recently handled.